Create Payment
Amount$12,500.00
SAVED PAYMENT METHOD
4586 8956 5863 8569
Card HolderBenjamin Bryant
CVV•••
CHOOSE PAYMENT METHOD
- CREDIT CARD
- PAY BY LINK
- PAYTO
PAYID
Take Card
Payments
Anywhere.
Turn any device into a powerful virtual terminal for seamless payment processing, whether you're in the office or on the road.
Take Card
Payments
Anywhere.
Turn any device into a powerful virtual terminal for seamless payment processing, whether you're in the office or on the road.
Create Payment
Amount$12,500.00
SAVED PAYMENT METHOD
4586 8956 5863 8569
Card HolderBenjamin Bryant
CVV•••
CHOOSE PAYMENT METHOD
- CREDIT CARD
- PAY BY LINK
- PAYTO
- PAYID
Fast Approval
Simple online signup with next business day approval for most merchants.
Next-Day Settlement
Funds deposited to your chosen bank account the next business day.
One-click surcharging
Eliminate processing costs with one-click surcharging.
Easy to setup.
Simple to use.
Receive payments on your phone
Take customer payments on the go. Generate scan-to-pay QR codes or send secure payment links directly to your customer’s phone in seconds.
Pay By Link
Request payments via SMS or email and give your customers the convenience of paying from their own device using card, digital wallets or PayID.
Instant Team Deployment
Scale from 1 to 100 and empower your entire team with powerful payment processing—no hardware required.
Store cards for repeat sales
Process future invoices and orders in a single click using securely stored payment details.
Easy to setup.
Simple to use.
Receive payments on your phone
Take customer payments on the go. Generate scan-to-pay QR codes or send secure payment links directly to your customer’s phone in seconds.
Pay By Link
Request payments via SMS or email and give your customers the convenience of paying from their own device using card, digital wallets or PayID.
Instant Team Deployment
Scale from 1 to 100 and empower your entire team with powerful payment processing—no hardware required.
Store cards for repeat sales
Process future invoices and orders in a single click using securely stored payment details.
15+ Years
Trusted by Ambitious Brands
Apply in minutes
Next Business Day Approval
Local Support
Talk to a real person
Slash your processing costs
Give your customers the payment choice they expect without sacrificing your profit. By adding Instant Bank Payments with PayID alongside cards, you get real-time certainty at a fraction of the cost.
Low Fixed Fees
Keep more of every sale. Swap traditional percentage-based card fees for a low fixed rate per transaction.
Instant Notifications
Confirm sales instantly with the same real-time certainty as a traditional card payment.
PayID Convenience
PayID delivers a modern, frictionless experience, allowing customers to pay you instantly from their banking app using just a mobile number or email.
Reduce Fraud Risk
Payments are securely authorised by your customer directly within their own banking app for total peace of mind.
One-click repeat sales.
Perfect for regular customers and repeat orders. Charge a saved card in seconds directly through your virtual terminal without having to enter card details every time.
One click repeat sales
The fastest way to get paid. Store a card once to process future orders and invoices in a single click.
Prefilled for speed
Send payment links prefilled with your customer’s card details. Remove friction, accelerate completions and deliver a superior payment experience.
Added security
Customer authorises each charge, giving an extra layer of protection for every transaction.
Single-click checkout
Customers complete their payment in one tap — no re-entering details, no friction.
Pay by Link
Create and send secure payment links in seconds via SMS, email, or social apps like WhatsApp and Messenger. From in-person QR scans to remote payments, provide a fast, convenient, and secure experience for every customer.
Pay from their own device
Whether they prefer card, digital wallets, or PayID, give your customers the freedom and convenience of a frictionless experience, protected by their own phone’s security.
Frictionless Retries
Remove the social awkwardness of a declined card. If a payment fails, customers can privately retry or switch to another method on their own screen without needing to explain or ask for a new link.
Contactless QR Payments
Take payments anywhere with mobile QR codes. Customers scan and pay using their preferred card or digital wallet for a truly contactless experience.
Instant Success Notifications
Receive real-time alerts the second you’re paid. At the same time, customers can instantly view branded digital receipts for a professional, paperless experience.
Professional receipts branded with your logo
Send digital receipts in seconds via SMS or email. With on-demand access to their payment and refund history via a secure link, customers stay informed—saving your team time and delivering a modern, paperless experience.
Instant SMS & Email Delivery
Digital and always available
Your brand on every receipt
Payment Successful
Hosted Page
$248.50
21 Apr 2026, 10:32 AM
Receipt
#A3F9K2
Customer
Olivia Bennett
Reference
INV-00284
Checkout via hosted payment page
Payment amount$244.30
On-charged fees$4.20
Total amount$248.50
Payment Method
Card flag
VISA
Card number
**** **** **** 4242
Card expires
08/28
Type
Credit
Payment 3DS2
Card 3DS2
Customer
Olivia Bennettolivia.bennett@example.com
+61 412 345 678
12 Collins St, Melbourne VIC 3000, Australia
Transaction Details
Modern payments, Trusted by business
Enterprise-level protection
Pay Advantage is built on the highest security standards in the payments industry.
AFSL Licensed & Regulated
Operating under an Australian Financial Services Licence (AFSL), our commitment to rigorous regulatory standards ensures the highest level of trust for you and your customers.
PCI Level 1 Certified
We meet the payments industry’s most stringent security requirements, keeping card data in an ultra-secure environment trusted by global banks and card networks.
Australian Data Sovereignty
Securely stored right here in Australia. We keep your core payment and customer data on local servers, ensuring your financial records remain compliant with local privacy expectations.
AI-powered protection
Our systems provide constant monitoring for suspicious activity, using advanced fraud and threat detection to identify and block risks before they impact your business.
Join 6,000+ Australian Businesses Growing with Pay Advantage.
From growing teams to established brands, one platform for every way your customers pay.
⭐⭐⭐⭐⭐
"The virtual terminal is incredibly user-friendly. We've cut our payment processing time in half since switching to Pay Advantage."
⭐⭐⭐⭐⭐
"Great service! Payment links have saved my business in time and chargebacks. Unreal."
⭐⭐⭐⭐⭐
"Credit card processing has never been easier. The security features give us and our customers complete peace of mind."
⭐⭐⭐⭐⭐
"Excellent service. Easy to set up and use. Based in Australia too."
⭐⭐⭐⭐⭐
"The virtual terminal is incredibly user-friendly. We've cut our payment processing time in half since switching to Pay Advantage."
⭐⭐⭐⭐⭐
"Great service! Payment links have saved my business in time and chargebacks. Unreal."
⭐⭐⭐⭐⭐
"Credit card processing has never been easier. The security features give us and our customers complete peace of mind."
⭐⭐⭐⭐⭐
"Excellent service. Easy to set up and use. Based in Australia too."
Real people. Real payment experts.
Talk to our team
Talk to someone when you need it
Whether you prefer phone, email, or live chat. We promise no long wait times, just real people ready to help.
Problem solvers, not script readers
Talk directly to Australian specialists who know the product and payments inside and out.
Guided setup right from Day One
We provide 1-on-1 walkthroughs, so you can skip the endless clicks and frustrated trials.
Scalable support for every stage
From your first day to your biggest year, we’re here to help you grow and scale.
FAQs
Virtual terminal questions
A virtual terminal is a secure web-based tool that lets a business take card payments from any device — no physical card machine required — by keying in card details or sending the customer a payment link or QR code to pay on their own phone.
What is a virtual terminal and how does it work?
A virtual terminal turns any device into a payment terminal. You can key in a customer’s card details, generate a scan-to-pay QR code, or send a secure payment link by SMS or email so the customer pays from their own phone — with no hardware to buy or install.
Do I need any hardware or card machine?
No. The virtual terminal is entirely software-based and works on any device, so you can scale from one to a hundred users with no hardware required.
Is the virtual terminal secure and compliant?
Yes. Pay Advantage operates under an Australian Financial Services Licence (AFSL), is PCI Level 1 certified, stores data on local Australian servers, and uses AI-powered monitoring for fraud and threat detection.
When do I receive funds from virtual terminal payments?
Funds are deposited to your chosen bank account the next business day.
Can I store cards for repeat customers?
Yes. You can securely store customer card details and process future invoices or orders in a single click, and offer lower-cost PayID payments alongside cards.
How can customers pay through a payment link?
You can send branded payment links by SMS, email, WhatsApp, or Messenger, or share a QR code. Customers pay with card, digital wallets, or PayID and receive a branded digital receipt.
Start Taking Payments Today
Join 6,000+ Australian merchants who’ve made the switch.
- Setup in minutes, not weeks
- PCI-DSS compliant & bank-grade security
- Local Australian support team